{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000013","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.278009+00:00","generated_at":"2026-06-06T18:37:00.010226+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB Financial Q4 2023 EPS $0.14, net income $2.7M, NIM 2.65%, loan growth 18.1%","bullets":["Net income $2.7M ($0.14 diluted EPS) vs $4.4M ($0.22) in Q4 2022; ROAA 0.48%.","Net interest margin 2.65%, down 80 bps YoY; net interest income $14.4M (-14.8%).","Total loans $1.8B, up 18.1% YoY; Q4 loan production $186M with 8% avg coupon.","ACL $21.1M (1.18% of loans); non-performing loans 0.03% of total loans.","Repurchased 92,317 shares at $10.45 avg price in Q4; tangible book value $9.81/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000013","json":"https://secwatch.observer/filing/0001562762-24-000013.json","markdown":"https://secwatch.observer/filing/0001562762-24-000013.md","text":"https://secwatch.observer/filing/0001562762-24-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/0001562762-24-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/uscb-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:37:00.010226+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c6c69e2584afc79452d18564df8aaea1b9721fd5","claim":"USCB FINANCIAL HOLDINGS, INC. reported the three months ended December 31, 2023 results: net income $2.7 million, EPS $0.14 per diluted share.","evidence_excerpt":"reported net income of $2.7 million or $0.14 per diluted share for the three months ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000013/0001562762-24-000013-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2023"},{"label":"Net income","value":"$2.7 million"},{"label":"EPS","value":"$0.14 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}